| Care for elderly should be bigger priority for the state
Tennessee families are constantly having to put loved ones into nursing homes because those families have no other choice. Options are limited. There are alternatives like home- and community-based care that the state could be providing to give more families the options they seek. But the scarce nature of those options is simply unforgivable. This state must do better. .
Long-term health insurance options for seniors
What type of policy is it? A reimbursement policy, which is less expensive, simply covers some or all of your out-of-pocket expenses up to a designated limit. An income policy, which is more costly, pays benefits whether services are received or not. How you spend the income is up to you. • What is the benefit amount for home care? Some policies offer less for home care than for care in a long-term facility. • How much? Find out what nursing homes, assisted living facilities and home health care agencies in your area actually charge for their services before choosing a benefit amount. • When do you qualify for benefits? How many activities of daily living must be outside your range? Does the policy spell out clearly what it means to be unable to feed yourself or dress yourself? • When do benefits start? The number of days you wait depends on the period you choose when you buy your policy.
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